Reward Black credit card

The credit card that rewards you at home and abroad

Representative 37.1% APR (variable)

A travel companion with extra rewards packed in

You won't pay foreign transaction fees when you use this credit card abroad

You'll get 1% back at supermarkets and 0.5% at their petrol stations

You'll earn 1-15% back at selected retailers

We'll refund your annual fee if you have a Reward Black current account

Use our eligibility checker to see whether you'll be accepted for this credit card. It takes just 2 minutes and it won't affect your credit rating.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

37.1%
(variable)

Assumed credit limit

£1200

Annual fee

£84

Features and benefits

Rewards

How do Rewards work?

Whenever you pay using your Reward Black credit card, you’ll earn points known as Rewards. Unlike some other credit card schemes, we don't cap the amount of points you can earn.

Where to earn Rewards

You'll earn 1% in Rewards in supermarkets and 0.5% everywhere else. You'll also be given personalised monthly spend offers from some of our partner retailers.

How to use your Rewards

It's easy. Once your balance has grown to at least £5, we'll give you a choice of what do with them. You can bank them, trade them or donate them to one of our chosen charities.

Benefits

No foreign transaction fees

With no additional fees on transactions abroad and nothing added on top of the MasterCard exchange rate, our card is a great way to spend while away.

A minimum credit limit of £5000

Our Reward Black credit card offers a minimum credit limit of £5000.

Personalised priority service

As a Reward Black customer, whenever you call us, your call will be prioritised. So whatever you need, we’re here to help, 24 hours a day, 365 days a year.

Features

Instalment Plans

Instalment Plans are a simple way to make regular payments against eligible individual purchases that you don’t want to pay off in one go. Please note: Instalment Plans are for existing credit card customers only. Eligibility criteria and monthly fees apply.

Ways to pay

There are plenty convenient ways to pay using the Reward Black credit card.

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is a good way to spread the cost.

Add an additional cardholder

Give a loved one access to your credit card account by adding an additional cardholder.

Costs

About the annual fee and annual fee refund

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Mobile App Features

Lock and unlock your credit card

We want to make managing your credit card simple and safe. If you’ve misplaced your credit card, you can lock and unlock it in the app. You can also request a PIN reminder or unblock your PIN through the app. This feature applies to Mastercard credit cards only.

Take control of your spending

Not only can you lock and unlock certain transaction types in the app, you can also keep your credit card spending in check by setting a daily or monthly budget. If you accidentally go over budget, we’ll send you a notification as a handy reminder too.

Manage your card 24/7

Unsure if you have enough available credit before making your next purchase? Don’t panic, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and lots more.

Replace your credit card

On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. It’s that simple.

Set your travel plans

Off on your next trip? Try registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. Each travel plan can include up to seven countries and last for 90 days. You can create one travel plan at a time.

Go paperless

We can help you do your bit for the planet by switching your NatWest credit card to paperless statements. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view. Should you change your mind, you can switch back to paper any time you like.

How to apply online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is successful, your card should arrive within 5-7 working days.

Check out this short video guide to find out more about applying online.

Ready to apply?

Great. Let's get started. Are you a...

Do you have NatWest online banking?

icon-quickest-route-black Created with Sketch.
The quickest route

As we already know a bit about you, applying for a Reward Black credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your online banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A mainland UK resident

Earning at least £15k per year

Aware that this card has an annual fee (unless you have a Reward Black current account)

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Reward Black credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.

What you'll need

Your address details for the last 3 years

Your income, outgoings and employment details

Your bank account details

A note of any cards you wish to transfer a balance from

Are you ready to continue?

To apply, you must be

Aged 18+

A mainland UK resident who has a UK bank account

Earning at least £15k per year

Aware that this card has an annual fee

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Something else we can help you with?